Florida's lowest
mortgage rates.Proven, not promised.
Warren Factor shops every file and closes loans in 32 states. One call gets you a rate most banks simply won't offer.
Rates updated daily · Subject to change. APR varies by credit & program.
Every loan type. One trusted broker.
From first-time buyers to seasoned investors — purchase, refinance, or cash-out, there's a program built for your file.
From first call to closing.
No call centers, no runaround — just a straightforward path to your lowest rate.
Tell us about your goal
Share a few details by phone or through the form — purchase or refinance, the property, and a rough timeline. No paperwork marathon to get started.
Warren shops your file across lenders
Instead of one bank's rate sheet, Warren compares your file across his lender network and brings you the lowest qualifying offer.
Close with confidence
Warren runs your file personally from first call to closing, keeping you informed and on schedule at every step.
Estimate your monthly payment.
Estimate only. Excludes property taxes, insurance, HOA, and PMI. Your actual rate and payment depend on credit, program, and approval.
Know what actually moves your rate.
"Interest rates" isn't just one thing. These are the levers worth watching:
A simple, effective habit
- Check the 10-Year Treasury yield
- Check the average 30-yr mortgage rate
- Glance at today's Fed news or economic calendar
You'll quickly learn the "normal range" and spot trends.
Once a week, look at
- Inflation data (CPI, PCE)
- Jobs reports (Non-Farm Payrolls)
- Fed speeches / meeting summaries
- Bond-market movement (not stock-market hype)
Rates usually move before the headlines hit mainstream news.
Why a broker beats a retail bank.
When financing a home, many borrowers assume their local bank or a large national lender will automatically deliver the best deal. In reality, mortgage brokers frequently deliver more competitive rates, better loan structures, and a higher level of personal service — because brokers work for the homeowner, not for a single institution.
- 01Access to a broad network of lenders
Brokers maintain relationships with a wide range of wholesale lenders — national banks, credit unions, portfolio lenders, jumbo specialists, and non-QM lenders. Your file is shopped across multiple institutions simultaneously, so you benefit from true market competition.
- 02Wholesale pricing advantage
Brokers operate in the wholesale lending market, which typically offers lower interest rates than retail banks. Retail lenders often add higher margins to cover branch overhead and marketing. Brokers, by contrast, rely on leaner operations and competition among lenders to secure lower rates and reduced closing costs.
- 03More loan programs, better fit
No two borrowers are alike. Brokers can place loans across conventional, government-backed, jumbo, ultra-luxury, self-employed, investor, bank-statement, asset-based, and non-QM programs — so you're matched with the right structure, not forced into a one-size-fits-all.
- 04Personalized, one-on-one service
Unlike large banks where borrowers are handed off between departments, brokers provide direct, hands-on service from application through closing — tailoring the loan to your goal (lowest payment, fastest closing, long-term wealth, etc.).
- 05Faster issue resolution
If underwriting or appraisal issues arise, brokers can quickly redirect the loan to another lender whose guidelines better match the borrower's profile. Banks typically can't pivot once a file is submitted — leading to delays or denials.
- 06Transparent, regulated compensation
Broker compensation is federally regulated and fully disclosed. That transparency means homeowners know exactly how the broker is paid, and removes incentives to steer borrowers into unfavorable options — often resulting in lower total borrowing costs.
- 07Competitive pressure works for you
When multiple lenders compete for your file, they sharpen their offers — rate, terms, and credits. That competitive pressure consistently translates into a better deal at the closing table.
Not a bank. Not a call center. Your broker.
Banks offer one rate sheet — their own. As an independent broker, Warren shops every file across multiple lenders, then hands you the lowest qualifying offer. No quotas, no upsell, no waiting in a call queue. Just a 28-year veteran negotiating on your behalf.
“Warren goes above and beyond to make the mortgage process as seamless as possible. Even in difficult situations, his steady guidance and patience is second to none. Look no further than Warren for the best service at the best rate.”
The man behind the lowest rate.
For nearly three decades, Warren Factor has helped Florida families and investors finance homes, rentals, and commercial properties at rates the big banks rarely match. As founder of The Discount Mortgage Store, he runs every file personally — from first call to closing — with the leverage of a deep lender network behind him.
- NMLS #351633
- CRE Capital & Equity Corp NMLS #2091271
- 7452 Champagne Place, Boca Raton, FL 33433
- Licensed: Fannie Mae · Freddie Mac · FHA · VA · Commercial
- Serving 32 States
Trusted by Florida borrowers.
Read all reviews on Zillow →The best of the best!
“Warren goes above and beyond to make the mortgage process as seamless as possible. Even in difficult situations, his steady guidance and patience is second to none. Look no further than Warren for the best service at the best rate.”
Work for the people
“I have known Warren for multiple years and it's always a pleasure to work with him. He goes out of the way to get you the loan that is right for you. I recommend him for all your loan needs.”
Warren Factor is Great!
“I've had the pleasure of working with Warren on my own financings and on behalf of clients and family. Warren is a gem — he cares about every aspect of the closing and devotes attention to detail.”
Questions, answered.
How much do I need for a down payment?
It depends on the program. Conventional loans can go as low as 3% down, FHA 3.5%, and VA or certain specialty programs allow 0% down for eligible buyers. Warren will match you to the lowest down payment you qualify for.
What credit score do I need?
Many programs start around 620, FHA can go to roughly 580, and there are specialty options for scores below 620. A lower score doesn't automatically disqualify you — there's often a path.
How long does it take to close?
Most purchase loans close in about 21–30 days, and many refinances are faster. Your timeline depends on the property, the program, and how quickly documents come together.
Why use a broker instead of a bank?
A bank offers only its own rates. As an independent broker, Warren shops your file across multiple lenders and passes you the most competitive qualifying offer — frequently beating retail bank pricing.
Are you licensed in my state?
Warren is a licensed mortgage broker serving 32 states. Call or send a request and he'll confirm availability for your location.
Does requesting a rate affect my credit?
No. Reaching out for a quote or to ask questions does not impact your credit. A credit check only happens later, with your permission, once you decide to move forward.